Business Banking Underwriting Team Leader

F.N.B. Corporation; Charlotte (NC); On-site; USD 95,000 - 125,000; Full time

Job summary

F.N.B. Corporation in Charlotte, NC seeks a Business Banking Underwriting Team Leader to manage a team of underwriters, assess creditworthiness, and ensure compliant, high-quality analyses for larger commercial loans.

You will drive workflow, mentor staff, and communicate underwriting risk strategies while maintaining performance metrics and adherence to regulatory guidelines. This role requires a BA/BS and 7+ years' experience; occasional travel may be required.

Qualifications

• BA or BS degree required.
• 7+ years of job-related experience.
• Strong credit underwriting and analytical skills required.
• Ability to train and develop a team of underwriters.
• Proven ability to manage workflow and meet portfolio metrics.
• Regulatory compliance knowledge desirable.

Responsibilities

• Manages a team of Business Banking Underwriters and ensures group-wide performance.
• Monitors workflow and suggests improvements to the underwriting process.
• Analyzes borrower creditworthiness and prepares formal analyses.
• Acts as senior loan adjudication resource within lending authority.
• Drives group initiatives for process and output improvements.
• Performs related duties and risk management responsibilities.

Skills

Project management

Communication

Organizational skills

Interpersonal skills

Customer service

PC skills

MS Word

MS Excel

MS PowerPoint

RE lending knowledge

Credit approval authority

Education

BA or BS degree

Tools

MS Word

MS Excel

MS PowerPoint

Job description

Primary Office Location:

401 S Graham St. Charlotte, North Carolina. 28202.

Join our team. Make a difference - for us and for your future.

Position Title:

Business Banking Underwriting Team Leader

Business Unit:

Credit

Reports to:

Manager of Business Banking Underwriting

Position Overview

Manages a team of Business Banking Underwriters who prepare financial analyses for current and prospective commercial loan customers and make recommendations as to the creditworthiness of borrowers within a designated region. Communicates and executes credit underwriting risk strategies while ensuring compliance with regulatory guidelines. Responsible for the quality of underwriting and ongoing performance metrics for team. Position will have approval authority and recommend appropriate structures and risk/ mitigants where applicable.

Primary Responsibilities

• Manages a team of Business Banking Underwriter and ensure group wide performance and portfolio metrics are achieved. Provides training and guidance in completion of credit analyses for direct reports and other team members, including Business Banking Relationship Managers.
• Manages, distributes and monitors workflow for assigned regional team of underwriters. Reviews output from direct reports and makes recommendations for improvements.
• Analyzes the creditworthiness of borrowers, identifies key credit issues and prepares full written analysis according to available information and established policies and procedures accurately and timely including completion of the entire underwriting document and all components thereof with the focus on larger relationships and the most complex transactions with limited oversight.
• Acts as a senior loan adjudication resource in the Business Banking Loan process within prescribed lending authority and credit risk appetite.
• Works with manager on group-wide initiatives for process, roles and responsibilities enhancements, and/or output improvements.
• Performs other related duties and projects as assigned.
• All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation’s risk management program. F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Minimum Level of Education Required to Perform the Primary Responsibilities of this Position:

BA or BS

Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position:

7

Skills Required to Perform the Primary Responsibilities of this Position:

• Excellent project management skills
• Excellent communication skills, both written and verbal
• Excellent organizational, analytical and interpersonal skills
• Excellent customer service skills
• Ability to use a personal computer and job-related software
• MS Word - Basic Level
• MS Excel - Intermediate Level
• MS PowerPoint - Basic Level
• Exceptional knowledge wide range of Commercial and Investment Real Estate lending and underwriting practices
• Past credit approval authority preferred

Licensures/Certifications Required to Perform the Primary Responsibilities of this Position:

N/A

Physical Requirements Or Work Conditions Beyond Traditional Office Work

Travel may be required on occasion

Equal Employment Opportunity (EEO)

It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.

FNB will not provide sponsorship for employment-based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.